Research On Credit Risk Management Of Small And Micro Enterprises Loan Of ZX Bank

Credit business is one of the main businesses carried out by commercial banks.Among them,small and micro enterprises not only have great credit demand,but also have large customer groups.ZX bank is a provincial-level branch of a state-owned holding joint-stock commercial bank,which attaches great importance to the development of small and micro enterprise loan business.However,small and micro enterprises have large operation risks and limited guarantee methods,which lead to the mismatch between the cost investment and risk bearing of bank financing for small and micro enterprises and their corresponding income compensation.How to effectively control the credit risk of small and micro enterprises has become the key to the development of small and micro enterprise loan business of ZX bank.This paper takes ZX bank as the research object.The paper takes the establishment in 2013 to the end of 2019 as the statistical caliber.During this period,there were 30 small and micro enterprises that formed non-performing assets,with a total of 101.51 million yuan of non-performing assets,resulting in a high non-performing loan rate of small and micro enterprises of ZX bank.In this paper,all the 30 small and micro enterprises are included in the research sample,and 30 small and micro enterprises with normal loans are supplemented as a comparison.A total of 60 small and micro enterprises are selected as the research sample.Firstly,this paper analyzes the problems of bank loan credit risk management for small and micro enterprises from the perspectives of pre loan credit risk identification and measurement,due diligence review of enterprises in loan,real-time supervision of post loan management and credit risk resolution:Dig out the root causes of its problems in organizational structure,access standards,rating indicators,post loan management,mechanism construction and so on;Finally,combined with the actual operation of banks and learning from the experience and practices of other commercial banks in the credit risk management of small and micro enterprises,this paper puts forward some credit risk management and control strategies for small and micro enterprises,such as improving the organizational structure of risk management and control,standardizing customer access standards,improving credit rating indicators,improving post loan management ability,and establishing an effective exit mechanism.